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01/28/2015 08:32 am ET Updated Jan 28, 2015

Two Troubling Trends In Retirement Planning

Scott Rothstein via Getty Images

2015 is going to bring along many changes to the investing landscape, and early signs are that there are two very troubling trends developing.

Allow me to start by painting you a picture. Let's say we sat down together and I told you I would construct a portfolio for you that is expected to last throughout your retirement years, but will ignore any changing economic conditions or the market environment. It's probably safe to say that you would think this is ridiculous and immediately leave my office, which brings me to the first troubling trend:

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